The biggest concern for pregnant women who are not working is how to obtain health coverage. What are the solutions for them to get themselves protected financially during pregnancy? In fact, there are a few types of medical assistance they can get through the government as well as the private insurance providers.
First of all, let’s take a look at the Health Insurance Portability and Accountability Act. It is the federal law that prevents insurance providers to take pregnancy as a pre-existing exclusion for the health insurance. This applies especially to women who are switching to new jobs or new health plans. This law also forbids the employers’ group health plans from imposing a pre-existing exclusion for new staff who are pregnant.
Medicaid is a federal funded program for low income women and families. It provides health coverage for women who are currently pregnant. On the other hand, Maternity Advantage is a discounted health program that helps individuals and families to save health care costs up to 60%. This program is offered by a National Provider Maternity Network which covers doctor visits, lab work, sonograms, hospitalization fee, etc. AmeriPlan is another type of discounted program which enables the individuals and families to get 50% discount on the cost for hospital stays, lab work, physician services and other types of ancillary services. All the pregnant women are allowed to enjoy the benefits.
Caring for the mothers and babies during pregnancy is essential. If you can’t afford for an expensive health care plan, don’t be upset. There are many affordable medical plans waiting for you.
